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Private Customers<br />
in € m<br />
Eric Strutz CFO <br />
Frankfurt <br />
November 8th, 2010<br />
Q1 2009 Q2 2009 Q3 2009 9M 2009 Q4 2009 Q1 2010 Q2 2010 Q3 2010 9M 2010<br />
Net interest income 551 551 527 1,629 533 496 491 506 1,493<br />
Provisions for loan losses -50 -54 -70 -174 -72 -66 -70 -64 -200<br />
Net interest income after provisions 501 497 457 1,455 461 430 421 442 1,293<br />
Net commission income 513 540 567 1,620 548 548 499 459 1,506<br />
Net trading income -1 -5 3 -3 2 1 1 2 4<br />
Net investment income -1 -7 13 5 -9 9 5 4 18<br />
Other result -2 -15 -58 -75 -23 -48 5 -5 -48<br />
Revenue before LLP 1,060 1,064 1,052 3,176 1,051 1,006 1,001 966 2,973<br />
Revenue after LLP 1,010 1,010 982 3,002 979 940 931 902 2,773<br />
Operating expenses 971 951 937 2,859 962 913 913 875 2,701<br />
Operating profit/loss 39 59 45 143 17 27 18 27 72<br />
Impairments of goodw ill and brand names 0 0 0 0 0 0 0 0 0<br />
Restructuring expenses 51 43 192 286 52 0 0 0 0<br />
Pre-tax profit/loss -12 16 -147 -143 -35 27 18 27 72<br />
Average capital employed 3,332 3,268 3,252 3,284 3,173 3,422 3,458 3,341 3,407<br />
RWA (End of Period) 31,428 31,253 31,524 31,524 30,265 29,450 30,100 28,557 28,557<br />
Cost/income ratio (%) 91.6% 89.4% 89.1% 90.0% 91.5% 90.8% 91.2% 90.6% 90.9%<br />
Operating return on equity (%) 4.7% 7.2% 5.5% 5.8% 2.1% 3.2% 2.1% 3.2% 2.8%<br />
Return on equity of pre-tax profit/loss (%) -1.4% 2.0% -18.1% -5.8% -4.4% 3.2% 2.1% 3.2% 2.8%<br />
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